14. Davis Insurance Company insured Driver Ashley's two cars at annual premiums of $3,400 for car A and $2,440 for car B. Ashley sold both cars after six months and canceled the insurance. The insurance company refunded the remaining six months' premiums at the short rate based on a 15% penalty. Compute the amount of the total refund. 15. The Faulkner Company building was valued at $450,000. The building was insured for $400,000. The policy contains an 80% coinsurance clause. A fire caused damages of $260,000. Compute the amount the insurance company paid for damages